IndianOil RBL Bank XTRA Credit Card vs IndianOil Axis Bank RuPay Credit Card vs IndianOil HDFC Bank Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹1,500 + GST
Rs. 500 + GST
₹500 plus applicable taxes (GST)
Renewal Fee
₹1,500 + GST
Rs. 500 + GST
₹500 plus applicable taxes (GST)
Spend Based Waiver
Annual fee waiver on spends of ₹2.75 Lakh per year.
Annual fee waived on annual spending of ₹3,50,000 or more in a card anniversary year.
Renewal fee waived on ₹50,000 annual spend; joining fee waived on ₹20,000 spend in first 90 days.
Foreign Transaction Fees
3.5% on international spends.
3.5% of the transaction value.
3.5% will be applicable on all International/Cross currency transactions.
Interest Rate (APR)
2.5% to 3.99% per month.
3.75% per month (55.55% per annum) for retail purchases and cash.
3.75% per month (45% per year) on revolving credit.
Rewards & Benefits
Welcome Bonus
3,000 Fuel Points (worth ₹1,500) on transaction of ₹500+ within 30 days of issuance.
Earn up to 1,250 EDGE REWARD points (worth ₹250) on first fuel transaction within 30 days.
Joining fee waiver on spending ₹20,000 in the first 90 days from card issuance.
Rewards Rate
8.5% valueback (7.5% rewards + surcharge waiver) on IndianOil fuel (15 FP/₹100); 2 FP/₹100 on other spends.
4% value back on fuel at IOCL, 1% on online shopping, 1 EDGE point per ₹100 on other spends.
Earn 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments. 1 Fuel Point for every ₹150 on other spends.
Reward Type
Fuel Points
Reward Points
Fuel Points
Reward Redemption Fee
₹99 + GST per redemption.
INR 99 per transaction on the EDGE REWARDS platform.
₹99 plus GST
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Up to 15% instant savings on flights & hotels via MakeMyTrip on Wednesdays.
Not Applicable
Movie Benefits
Not Applicable
Up to 10% instant discount on movie tickets booked via BookMyShow app or website.
Not Applicable
Dining Benefits
Not Applicable
Up to 15% off (max ₹500) on dining bills at partner restaurants via Axis Bank EazyDiner.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver (max ₹200/month) on fuel transactions.
1% waiver (max ₹50/cycle) on fuel transactions between ₹400-₹4000 at any fuel outlet.
1% waiver on fuel transactions (min ₹400, max ₹250/cycle) at all fuel stations.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of amount or min ₹500.
2.5% of the cash amount (Minimum ₹500).
2.5% of amount withdrawn, subject to a minimum charge of Rs 500.